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Why choose Desjardins?

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Why choose Desjardins?

You're an owner

Are you a caisse member? If so, you are also a co-owner of your caisse. Each Desjardins caisse if a financial services cooperative that belongs to its members. Each member has a say in how the caisse is run and how it contributes to the
community.

1 member, 1 vote

All caisses hold their Annual General Meetings in the spring and invite their members to participate. As of the age of 18, members can attend their caisse's Annual General Meeting and voice their opinion by exercising their right to vote.

Take this opportunity to give your opinion on how your caisse will spend the budgetary surplus. Your vote could have a direct impact on the youth oriented projects sponsored by your caisse in your community. To find out when your
caisse will be holding its next Annual General Meeting, click Where to find us to visit its website.

You may, under certain conditions, receive member dividends

A financial services cooperative does not make huge profits like traditional financial institutions do because it may decide to return a portion of their surplus earnings to its members. During the Annual General Meeting, the members decide how
the surplus earnings will be distributed. For example:

into the member accounts, which is known as member dividends

into the community to sponsor collective projects, for instance, employment-generating projects, young business start-ups, among others

You can become an officer

All adult members can become an officer of their caisse. To do so, they have to submit their candidacy and be elected by the other members during the annual meeting.

Are you between 18 and 30 years of age? If so, you may also take part in the Young Intern
Officer Program offered in several caisses and complete an internship as an officer: a fulfilling learning experience.

Becoming a caisse officer is a concrete way of contributing to your community's socio-economic development while learning more about cooperatives and the financial world.

At Desjardins, all members may receive part of the profits of their caisse, depending on its annual results. We call these shared profits "member dividends".

Member dividends are paid out to members in proportion to their use of the caisse's financial services.

Caisses also give part of their surplus earnings to support their local community. We call this "collective member dividends".

Profits go to financially support individuals and the community

Every company has to turn a profit to stay in business. That's why Desjardins needs to follow market prices and conditions.

Each caisse must maintain a solid financial performance to make sure it can grow and continue to:

provide financial help to individuals and small businesses that don't have access to traditional financing

contribute financially to the socio-economic development of the community

Desjardins helps its members become money smart

Desjardins Group wants to help its members, and the community as a whole, take control of their finances and their quality of life. That's why we encourage cooperative, economic and financial education.

Desjardins is one of the pioneers of microfinance

Développement international Desjardins (DID), a subsidiary of Desjardins Group, has been working for 45 years to help provide disadvantaged communities around the world with access to financial services.

This longstanding commitment is concrete proof that Desjardins wants to make the world a fairer and wealthier place for everyone.

Given the commitment of its directors and employees, the financial and cooperative performances of Desjardins Group and its components are the subject of awards and recognition by third parties.

For the sixth consecutive year, Desjardins Group has been rated one of Canada's Top 100 Employers by Mediacorp Canada. The distinction recognizes best practices and innovation in human resource management.

For the 12th consecutive year, the AccèsD client contact centres, for both individuals and businesses, have received the Customer Operations Performance Center (COPC) certification, one of the most stringent in the world. This is a world achievement: no
other organization of any type has ever been certified COPC for such long period of time.

Desjardins placed first in North America and fifth in the world in Bloomberg's 2015 ranking of the World's 20 Strongest Banks.

To open an account in a Desjardins caisse is to become a member of a savings and credit cooperative. Contrary to clients of a traditional financial institution, the members of a caisse are its owners and have voting rights at the Annual General
Meeting.

Advice

The information provided here is for demonstration purposes only, and is not a substitute for a professional advice.
Before making investment decisions, you are advice to speak with your caisse advisor ou your account manager at a Desjardins Business centre.
The information contained in this section should in no way be considered an advice or a recommendation by Desjardins Securities Inc.or Disnat.